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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,313 | $49,177-32.3% | $79,466-58.1% | $64,173-48.1% |
| Participation rate | 100.0% | 65.0%+35.0pp | 73.3%+26.7pp | 69.6%+30.4pp |
| Annual return | 6.24% | -1.16%+7.4pp | 718.28%-712.0pp | 7.63%-1.4pp |
| Employer contribution / active EE | $2,833 | $2,076+36.4% | $2,800+1.2% | $2,381+19.0% |
| Participant deferral / active EE | $826 | $2,821-70.7% | $3,704-77.7% | $3,470-76.2% |
| Admin fee / account holder | $3,087 | $3,839-19.6% | $5,104-39.5% | $4,887-36.8% |